Staff Product Manager (Disbursements)

PayNearMe is a company focused on simplifying payments and enhancing the customer experience through innovative technology. The Staff Product Manager for Disbursements will lead the strategy and execution of the company's outbound payment ecosystem, ensuring financial accuracy and regulatory compliance while modernizing payout infrastructure.

Responsibilities:

• Own the multi-year product roadmap for the full money movement lifecycle, with a primary focus on disbursements to consumers
• Define and communicate a clear product vision for outbound payments that balances speed, reliability, compliance, operational efficiency, and cost
• Lead the evolution of the disbursements platform and expand product capabilities to support new use cases, partners, and payment rails
• Lead the strategy for selecting, routing, and optimizing payments across multiple rails, including ACH, wires, RTP, FedNow, push-to-card, and digital wallets
• Define rules and product capabilities that intelligently route payouts based on speed cost, reliability, risk, and client expectations
• Own payout configuration, timing, cutoffs, retries, reversals, and exception handling across rails
• Responsible for driving the vision for end to end money movement for disbursement funding
• Ensure every outbound transaction is fully traceable, correctly attributed, and reconcilable across systems by owning product requirements for ledgering, reconciliation, error handling, and payout transparency
• Partner closely with accounting and finance to ensure accurate ledgering, settlement reporting, and audit readiness
• Translate complex money movement flows into clear product requirements, user stories, and technical specifications
• Own backlog prioritization and delivery in partnership with engineering leadership balancing feature delivery, platform resilience, and regulatory commitments
• Lead large-scale platform initiatives alongside incremental product enhancements with multiple cross functional development teams
• Partner with Clients and the Vertical teams to understand their needs and build scalable features that can be leveraged across multiple clients
• Build and manage critical relationships with banks, processors, and fintech infrastructure partners
• Translate external partner capabilities and constraints into internal product advantages
• Support partner selection, onboarding, and ongoing performance management from a product perspective
• Serve as the internal subject matter expert for disbursements, payouts, and outbound money movement
• Work closely with compliance and risk teams to design controls, limits, monitoring, and regulatory-aligned payout flows
• Partner with go-to-market, operations, and support teams to ensure successful launches and operational readiness

Requirements:

• 15+ years of product management experience, with deep expertise in payments, money movement, disbursements, or payout platforms
• Strong understanding of payment rails including ACH, wires, RTP, FedNow, card-based payouts, and digital wallets
• Proven experience owning financial infrastructure, including ledgering, reconciliation, settlement, and exception handling
• Experience working directly with accounting, finance, and compliance teams
• Demonstrated ability to lead complex, cross-functional initiatives at scale
• Strong analytical and systems-thinking mindset, with attention to detail and data integrity
• Excellent communication skills and a track record of producing high-quality product documentation
• Experience operating in agile development environments (JIRA, Confluence, etc.)